JPMORGAN CHASE CO.

2019-04-04

Berthoud, CO

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: Saw an offer on XXXX for a Visa card that would earn me a Companion Pass if I met the minimum spending ( MS ). That was on XX/XX/2019. ( you can see in the attached screen shot that I saved this to my PC on the XXXX ) I signed up. When I met the MS and did not receive the Pass, I inquired. XXXX directed me to Chase Bank, who said that the offer did not " open '' until XX/XX/XXXX. Nowhere on the ad was that stated ( it just said the offer was valid through XX/XX/XXXX ). They are refusing to honor the offer.
Company Response: Closed with explanation

Timely Response

2019-04-04

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2019-04-04

Belle Haven, VA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I received a refund check from chase for a little over $ XXXX.stating that the wrongfully had taken my car and sold it and I was in the XXXX. I finally received the check and cashed it with no info attached and after 3 years I received a letter from the IRS stating that chase sent in aXXXXform for me to pay taxes on this money. This was not money from working for chase but a refund from you over charging of fees and resale of my car. I have been calling and no one seems to know what to do ect. i spoke to the IRS and they stated that Chase needs to send a new XXXX form correction to get this situation handled and sent to IRS with correct information to get this handled this is causing me to have to pay over {$6800.00} in Taxes. I need this situation handled so that I can put this behind me. If I have to keep reaching out to someone in regards to this matter and getting no answers. I will be having my lawyer to contact due to this matter with information sent to the XXXX. this should have been information sent in the later. so that I could have filed right then in there but now I have fees ect for this which is affecting my life. if you ever get anything from them be sure to request all forms needed and get names because its been 3 years and still no answers
Company Response: Closed with explanation

Timely Response

2019-04-04

Chicago, IL

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I opened two travel credit cards with chase. These two particular cards were recommended by financial adviser. I opened a few other cards to built credit. I have rebuilt my credit. I had been paying for everything mostly in cash. We chose the cards according to travel benefits, points that were offered per approval. They make other offers per use of the card within the 1st three months. I used the cards booked all my travel as I travel for a living. The accounts were closed without any warning. Paid as agreed. I was sent a letter after calling to inquire about the closures. In the letter it stated I had to many new accounts opened in a short period of time. I asked about the terms of the agreement. I hadn't used all the benefits that were given upon approval of the cards. I asked how can I get the benefits that I earned per charging the card was apart of those conditions of the term of the card. I was told just continue to make the payments. I've read a lot of complaints of the same issue. It seems as though chase false advertising on their credit cards to get people to charge up the cards then prematurely close the cards without keeping their end of the agreement. Many of the reward through the airline only work with the use of the credit card at that time of travel.
Company Response: Closed with explanation

Timely Response

2019-04-04

Quartzsite, AZ

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: While traveling abroad the company closed my account without contacting, I called the banked several times costing me a lot of money for phone calls they hardly returned my calls. And when I finally was able to speak to someone they offered no help and hung up on me. On XX/XX/XXXX. Bank Chase, Accounts XXXX card XXXX XXXX card Chase Freedom card. All these card accounts were closed, the accounts were in good order ( Payed off ) Now I am stranded in another country with no assistance from the bank and the bank refuses to tell me why they closed my account. Also this could also impact my credit score since my available credit will be reduced. Banks should not be able to close peoples accounts for no reason or notification.
Company Response: Closed with explanation

Timely Response

2019-04-04

Leeton, UT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX My father XXXX XXXX XXXX and I spoke to the Chase Bank Mortgage Department about the requirements to remove the PMI from his conventional Chase Mortgage. The account # XXXX We were told that I could pay for the appraisal by calling into or sending a check via mail with the documents the agent requested to be mailed to my fathers home at XXXX XXXX XXXX XXXX, XXXX UT XXXX. We were never told the paperwork would expire, nor were we told that the Chase Bank PMI Policy violates the Homeowner 's Protection Act for Borrowers with Private Mortgage Insurance for Loan closed on or after XX/XX/XXXX. The Homeowner 's Protection act states that the value in which the PMI will be removed is 80 % yet in Chase Banks forms it states in order to remove PMI the appraisal has to come in at 75 % LTV in order to have the PMI Removed even with an appraisal paid by the borrower to Chase Bank.
Company Response: Closed with explanation

Timely Response

2019-04-03

Palm Springs, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-04-03

Chicago, IL

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2019-04-03

Modesto, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Closed with monetary relief

Timely Response

2019-04-03

San Francisco, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-03

Phoenix, AZ

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with monetary relief

Timely Response

2019-04-03

Chicago, IL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2019-04-03

Medford, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-04-03

Soquel, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: My problem is unusual. I previously had, but no longer, rewards program credit cards with Chase Bank. They have now evidently blackballed me from qualifying for their credit cards that offer good perks ( e.g., Chase Sapphire Preferred Card and Chase United MileagePlus Club ) - perhaps because I have no outstanding debt, therefore, not someone they can make much money off of, while meanwhile enjoying the perks at their expense ( i.e., not the sort of person their marketing is aimed at ). The stated reason repeatedly given is that the credit bureaus indicate I have too many recent applications, but lengthy time does not change the situation and there is no way to find out when I'll be clear again. I believe that this is a disingenuous practice. I've tried discussing this over the phone with Chase representatives, to no avail. It is also impossible to reach a person at the credit bureaus to discuss the details of one 's credit file, which is also not right. How can I learn where I stand? As you well know, credit ratings have a huge impact on peoples ' economic circumstances, and proper access should be required of those companies.
Company Response: Closed with explanation

Timely Response

2019-04-03

San Jose, CA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2019-04-03

Santa Ysabel, CA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-04-03

Staten Island, NY

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-04-03

Torrance, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-04-03

Burien, WA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-04-03

Hillsdale, NJ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2019-04-03

Humble, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-04-03

Alt De Penuelas Ii, PR

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-04-03

AR

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: In XXXX of XXXX Chase sold my mortgage to XXXX. Chase reported the status as a transfer. I attempted to dispute this status in XX/XX/XXXX. Chase received payment of the loan on my behalf, it was paid in full. The status as transfer to other office has negatively impacted my score from high 600 range down to high 500 range. Chase did not disclose during the initial contract that they may sale my loan and it result in a negative impact to my credit score. Chase is discriminating based on another entity paying the loan. IF I had directly paid the loan off, Chase representative explains that the status would be reported as Paid. The loan was in fact paid off by XXXX to Chase. At this point I have not been able to receive credit because I show as a high risk because other entities can not tell where Chase transferred the loan to as the status states transferred to another office. The loan was not transferred to another office, but paid by another entity on my behalf. In XX/XX/XXXX I paid the loan off with XXXX, but still Chase shows as transferred to another office, and my report continues to be impacted by the creditor Chase not reporting accurate information. I have suffered great loss in providing for my family as I have been denied loans based on the misleading and inaccurate credit reporting by Chase and their failure to inform me of these foreseeable challenges with their practice prior to obtaining my loan.
Company Response: Closed with explanation

Timely Response

2019-04-03

Burlingame, CA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-04-03

Santa Ana, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I have attempted to open a bank account with Chase Bank several times over the years and have continuously had my account closed within 24hours of opening, even after finding the account, without any explanation. I have reached out to Chase and the only thing U can think is because I filed Bankruptcy which was dismissed nearly 5 years ago - with no history of a Chase account ever being included. I have Good credit, no XXXX XXXX records, bank accounts with every other major financial institution and large amounts of liquid reserves. This can only be due discrimination! They have caused me severe financial hardship as my auto loan is in the name of my mother because Chase refused to lend to me without cause. All of my credit cards are Chase backed but I'm only an authorized user despite the fact I pay all of the statements on over XXXX in revolving credit lines. This makes no sense and I am begging for help!
Company Response: Closed with explanation

Timely Response